Accessing routine and emergency medical care while working overseas on long-term assignment presents many challenges. In order to provide overseas employees with the tools to access accurate and timely medical care, you need to provide foreign assignees with medical insurance coverage that is truly global.
Total Benefit Solutions works with you to build custom medical (and ancillary) coverage options that fits your employees who will be residing outside of their home country (generally for 6 months or more). Plan configurations for long-term assignments include but are not limited to:
- routine care, such as routine wellness, physical exams and gynecological exams
- routine maternity expenses
- non-emergency mental health and substance abuse expenses
- second surgical opinion
- home health care or custodial services
Medical Care That Is Truly Global
International coverage means having dedicated service staff available worldwide with multilingual capabilities ready to assist the employee 24/7, 365 days a year. In the event of an emergency, an international medical management team works with the employee and family members to direct care based on regional capabilities and surgical facilities that include direct payment options, claims translation and EFT wire transfer options.
Long-term success starts even before the employee leaves his or her home country. Pre-trip planning services assist employees with individual medical needs before arrival in the destination country. This includes identifying the availability of prescription medications in the destination country and regional centers of excellence in providing medical care.
Acute medical needs are coordinated on a regional scale. If the foreign-based employee needs medical evacuation to a regional center of excellence, an international medical management team coordinates medical transport logistics and en-route patient care.
Medical Coverage Plan Options
Our Global Expat/Inpat Medical plans provide medical coverage for employees who are on foreign assignment. Coverage extends internationally when the employees are traveling overseas.
Total Benefit Solutions develops a custom quote for your organization’s needs. We can:
- Customize contract options depending on where a company is incorporated.
- We work with US, Canadian and International organizations. Employees can be:
- Expatriate (Expat)
- Third Country National (TCN)
- US-bound Expat (Inpat)
- Canada-bound Expat (Inpat)
- US employee working for a non-US based company
- Develop benefit plans that will meet specific needs and provide adequate coverage levels.
- Design custom benefit packages for embassies and consulates.
Contact us today to learn more about how our custom medical coverage options can cover your foreign assignees.
Prescription Drug Plan
With a prescription drug plan added to your coverage, employees can visit any licensed pharmacy and receive a reimbursement for the out-of-pocket expense in local currency.
In the United States, US-bound employees with a prescription drug plan simply visit a participating pharmacy, show their ID card and pay their copay or coinsurance. Claim forms are not required.
In any U.S. location, employees can visit a pharmacy or receive their prescription medications by mail — delivered directly to their home. Ask about prescription drug plan coverage for Expat/Inpat employees.
Life and Disability Coverage
Providing a strong benefits package is a great way of attracting top talent to your organization. Life and Long-term disability (LTD) insurance benefits provide employees peace of mind on- and off the job.
Long-term disability options provides employees with a percentage of their monthly salary if they are out of work for an extended period of time due to illness or injury. Employees want to protect their families. Total Benefit Solutions works with you to create a coverage plans that meets the needs of your employees while on foreign assignment. Ask about Life and Disability Coverage.
Dental Coverage Plan Options
Dental plan options are available additions for Local National and Expat/Inpat coverage. Employees can visit any licensed dentist for preventative, basic and major services. Expats and inpats working outside of the U.S. have indemnity dental benefits. While in the U.S., employees will receiving cost savings when visiting a participating U.S. provider.
Orthodontics coverage is available. Ask about dental coverage for Local National groups.
Vision Coverage
Eyesight is an important part of employee success and productivity. We offer several global Expat/Inpat vision options as well as discounts for U.S.-bound employees.
Coverage is flexible and employers can mix and match or choose from three vision options. Ask us about adding vision coverage to your group.
Additional Benefits on a Global Scale
- Ease of benefits administration
- Composite rate tiers
- Carve outs
- Multiple contract options
- Online employee webinars
- Coverage for all types of industries, business, NGO, missionaries, embassies
International Concierge-level Service
Take comfort that assistance – medical or otherwise – is only one phone call away. Customer service representatives speak over 30 languages and assistance is accessible 24 hours a day, 365 days a year. Personalized service is provided for virtually any situation including:
- 24/7 access to medical provider referrals
- translation services
- legal assistance and referrals
- assistance with lost or stolen travel documents
- embassy and consular referral
- passport and visa information